Прозрачността е в основата на КолкоСтрува. Тази страница обяснява откъде идват всички цифри, кога са актуализирани и какви допускания правим.
Последно обновяване: 20.05.2026 г.
Всички стойности се съхраняват в лева (BGN). Конвертирането в евро използва фиксирания курс на ЕС: 1 EUR = 1.95583 BGN — курсът, с който България влезе в еврозоната.
При изчисляване на нетна от брутна заплата: социални осигуровки 13.78% (служителска вноска), здравно осигуряване 3.2%, подоходен данък (ДДФЛ) 10% върху облагаемата основа. Нетото е ≈ брутото × 0.776.
Средна наемна цена по пазарен сегмент (гарсониера / 1-ст. / 2-ст. / 3-ст.). Включва само наема; ток, вода и интернет са отделни категории.
Кошницата за един възрастен включва хляб, мляко, яйца, пилешко, говеждо, ябълки, картофи, кашкавал, ориз, вода, бира и непакетирани зеленчуци (фиксирана добавка от 140 лв за неизброените продукти).
Месечна карта по обявени тарифи. Цената на горивото е средна за March 2026. Колата: гориво (~60 л/мес) + застраховки (70 лв/мес) + поддръжка (60 лв/мес).
Ток — средна консумация за апартамент. Вода — стандартна тарифа. Интернет — оптична връзка. Мобилен — базов план.
Евтин обяд — работен обяд (меню). Ресторант за двама — средноценова заведение. Модел: цена на порция × брой излизания + 8 кафета/месец.
Включва здравно осигуряване (~30 лв/мес) и аптечни разходи. Допълнително 80 лв/мес при частна застраховка (стандартен базов план).
Фитнес (месечен абонамент). Стрийминг (22 лв/абонамент/месец). Международно пътуване (~1100 лв на пътуване, амортизирано месечно). Кино (1.5 посещения/месец).
Редовен студент с минимален доход от стипендия, временна работа или семейна подкрепа.
950 BGN net — typical Bulgarian scholarship (400–600 BGN) + part-time work. Many students rely on family transfers; this figure represents modest financial independence.
Not included — most students live in student dormitories (100–200 BGN/month, not modelled) or with family. Enable rent manually for independent students.
Public transit monthly pass; no car ownership assumed at this income level.
Dining out 2×/month, 0 international trips, 2 streaming services (shared). No gym, no private health, no loans.
Работещ на минималната работна заплата за 2026 г. (1 200 лв бруто ≈ 897 лв нето).
897 BGN net. The legal minimum wage from Jan 2026 is 1,200 BGN gross. After employee social (13.78%), health (3.2%), and income tax (10%), net ≈ 897 BGN. This profile intentionally shows a deficit in most cities.
Included — minimum-wage earners who live alone must rent. The deficit shown in most cities is a deliberate and accurate finding.
Public transit; no car affordable at this income.
Dining 1×/month, 1 streaming service, no gym, no private health, no loans. This profile will show a deficit in Sofia and most large cities — that is accurate and intentional.
Квалифициран работник в производство, строителство или услуги с доход около националната средна.
1,700 BGN net — skilled worker in manufacturing, construction or trade. NSI Q4 2025 shows the processing-industry average at roughly 2,000–2,200 BGN gross (≈ 1,550–1,707 BGN net). 1,700 BGN net represents a somewhat more experienced blue-collar worker or a trade/construction operative who earns a modest premium above the manufacturing floor.
Included.
Car owner (paid off, no financing). Fuel + insurance + maintenance modelled at city petrol price × 60 L/month + 70 BGN insurance + 60 BGN maintenance.
Dining 3×/month, no gym, no private health, no streaming-heavy lifestyle. 250 BGN car payment represents a modest used-car loan.
Млад специалист с висше образование на 2–4 г. трудов стаж в сектор услуги, банкиране или маркетинг.
3,000 BGN net — aligned with the 75th percentile for 25–34-year-olds in knowledge-economy sectors (NSI SILC 2024).
Included.
Public transit (city-dweller). No car modelled.
Active social life (dining 8×/month), gym, 2 international trips, 3 streaming. No car financing, no consumer debt.
Разработчик или инженер в технологичния сектор с над 3 години опит.
5,500 BGN net — median for mid-level Bulgarian software engineers (BAIT Salary Survey 2025, mid-range). Senior engineers typically earn 7,000–10,000+ BGN.
Included. IT workers typically rent quality 1BR or 2BR apartments.
Public transit (urban lifestyle, no car). Note: many Sofia IT workers use e-bikes or scooters not modelled here.
Dining 10×/month, gym, 3 international trips/year (tech conferences + personal), private health insurance (common employer benefit, here modelled as self-paid ~80 BGN/month). 4 streaming services.
Двама работещи партньори без деца, споделящи наем и разходи.
3,800 BGN net combined — roughly two professionals each earning ~1,900 BGN net (median employed worker). Couples often combine incomes; this is the total household figure.
Included (1BR or studio shared).
Both public transit and a shared car. 350 BGN car payment (modest joint loan).
Household multiplier 1.7× for groceries (shared efficiencies apply). 200 BGN shared consumer loan modelled. Dining 6×/month, 1 trip/year.
Семейство с едно дете; двама работещи родители.
4,500 BGN net combined household income — reflects two earners near or slightly above the national average.
Included (2BR apartment).
Car (essential with children) + no public transit. 400 BGN car financing.
Private health insurance (child cover). 300 BGN consumer/personal loans. Groceries multiplier 2.1× (family1). Dining 4×/month. 1 domestic/short-haul trip/year. Education costs (nursery) are NOT included in the calculator's current model — add manually via 'Персонализирай'.
Семейство с две деца; двама работещи родители.
5,200 BGN net combined — both parents earning above median, typical for families that can afford the full lifestyle modelled here.
Included (3BR apartment — family2 tier).
Car only. 450 BGN car financing.
Groceries multiplier 2.5× (family2). Private health for all. 400 BGN loans (consumer credit typical for large family). No gym; 0 international trips (cost-constrained). Education costs for two children are NOT modelled in the base calculation.
Служител в публичната администрация, учител, медицинска сестра или работещ в бюджетната сфера.
2,200 BGN net — representative of mid-level public sector pay following the 2024–2025 salary reform. NSI Q4 2025 data places the public administration sector average around 2,700–2,900 BGN gross (≈ 2,095–2,250 BGN net). Teachers, nurses and other budget workers vary widely; use 'Персонализирай' to adjust.
Included.
Public transit only.
Moderate lifestyle: dining 4×/month, no gym, 2 streaming services, 1 trip/year. No private health (public sector often has supplemental coverage via employer). No consumer debt assumed.
Пенсионер в градска среда с достатъчна пенсия за наем и основни нужди.
1,100 BGN net — above the average Bulgarian pension (~900 BGN as of 2026) to represent a retiree with supplemental income or a higher contributory pension.
Included — models an urban retiree who rents; remove rent for homeowners.
Public transit (pensioner card often discounted or free; modelled at full price for conservative estimate).
Dining 2×/month, 1 streaming, private health (modelled as ~80 BGN/month supplement for medicines/specialist visits — critical for this demographic). No loans, no gym, no trips. Showing a deficit in Sofia for this profile is accurate and expected.
Пенсионер в малко населено място или село: без наем (собствен имот), собствена кола, без разходи за ресторанти.
900 BGN net — the average Bulgarian pension is ~870–920 BGN (NSSI 2026). This profile represents the median pensioner in rural Bulgaria.
NOT included — the defining characteristic of this profile is home ownership. Rural Bulgarian retirees overwhelmingly own their homes.
Car (old, paid off, 0 financing). Essential in rural areas with no public transit. Fuel costs modelled at city average × 60 L/month.
CRITICAL DEFINITION: This profile intentionally shows the rural-subsistence scenario. No dining out (home cooking), no streaming, no international trips, no gym, no private health (models pensioners who rely entirely on public healthcare). If the calculator shows a surplus, that reflects the low-cash-outlay rural lifestyle — not affluence. The absence of streaming/internet cost does NOT mean the person cannot afford internet; it means those costs are often subsidised by family or not applicable.
Самонает специалист (дизайнер, разработчик, консултант) с променлив, но висок доход.
4,200 BGN net — a conservative estimate. Successful Bulgarian freelancers often earn 5,000–10,000+ BGN but with income volatility. This figure represents a typical stable month, NOT peak earnings.
Included.
Public transit; no car (urban digital nomad).
Dining 9×/month (works from cafés; coffee is a business expense). Gym. 2 international trips (client meetings / workations). Private health (self-employed must arrange own cover). 4 streaming. No car, no loans. Freelancers in Bulgaria typically pay social and health contributions on the minimum insurance base unless they opt higher — the salary field here reflects net post-contribution income, which freelancers must calculate separately.
Двойка с висок доход, луксозно жилище, заредена кола и активен социален живот.
7,000 BGN net combined — top-earning couple (e.g., two senior professionals). This profile reflects genuine affluence, NOT a typical Bulgarian household. It deliberately shows a surplus to illustrate that high incomes are viable in Bulgaria.
Included — models a premium 1BR or 2BR apartment in city centre. The calculator uses the city's average 1BR rent (couple tier = same as 1BR avg); premium-centre rent can be 30–50% higher.
Car (600 BGN financing for a mid-range new car) + no public transit.
IMPORTANT DEFINITION: 'Луксозен' means a well-funded couple in a major city — NOT extravagant wealth. It models upper-middle-class Bulgarian life, not international luxury. Dining 12×/month, gym, private health, 3 international trips, 4 streaming. No consumer debt beyond car financing.
Калкулаторът дава средни стойности за типични потребителски кошници. Реалните разходи зависят от конкретните квартали, преговорите с наемодателя, сезонността и индивидуалните навици. Препоръчваме да използвате резултатите като ориентир, а не като точна прогноза.